GBCI Stock Analysis: Glacier Bancorp | NYSE
Banks - Regional | NYSE, USA | Market Cap: 6.739m USD | 12M Return: 17.8% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 61.4M
EPS Trend: 11.7%
Qual. Beats: 0
Rev. Trend: 98.4%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Glacier Bancorp, Inc. (NYSE: GBCI) is a U.S. regional bank holding company headquartered in Kalispell, Montana. Founded in 1955 and publicly listed since 1992, it operates through its subsidiary Glacier Bank to provide commercial and retail banking services to individuals, small to medium-sized businesses, community organizations, and public entities across multiple states.
The companys core activities include deposit gathering, mortgage origination and loan servicing, and a diversified lending portfolio spanning residential, commercial real estate, construction, agricultural, consumer, and home equity loans. Glacier accepts a full range of deposit products, including non-interest bearing accounts, money market deposits, certificates of deposit, and individual retirement accounts. As a community-focused regional bank, GBCI emphasizes relationship-based lending and local market knowledge in the geographic areas it serves, distinguishing its model from the national scale of money-center banks.
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan portfolio raises credit risk concerns
- Loan and deposit growth accelerates across Mountain West markets
| Net Income: 266.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.00 > 1.0 |
| NWC/Revenue: -1.24k% < 20% (prev -1.40k%; Δ 157.0% < -1%) |
| CFO/TA 0.01 > 3% & CFO 409.8m > Net Income 266.6m |
| Net Debt (-5.54b) to EBITDA (404.8m): -13.68 < 3 |
| Current Ratio: 0.30 > 1.5 & < 3 |
| Outstanding Shares: last quarter (130.2m) vs 12m ago 14.70% < -2% |
| Gross Margin: 71.21% > 18% (prev 64.24%; Δ 6.97% > 0.5%) |
| Asset Turnover: 5.06% > 50% (prev 4.52%; Δ 0.55% > 0%) |
| Interest Coverage Ratio: 0.91 > 6 (EBIT TTM 362.6m / Interest Expense TTM 400.5m) |
| A: -0.59 (Total Current Assets 8.19b - Total Current Liabilities 26.9b) / Total Assets 31.7b |
| B: 0.04 (Retained Earnings 1.20b / Total Assets 31.7b) |
| C: 0.01 (EBIT TTM 362.6m / Avg Total Assets 29.8b) |
| D: 0.15 (Book Value of Equity 4.25b / Total Liabilities 27.5b) |
| Altman-Z'' = -3.50 = D |
| DSRI: 0.98 (Receivables 122.8m/104.0m, Revenue 1.51b/1.26b) |
| GMI: 0.90 (GM 64.24% / 71.21%) |
| AQI: 0.90 (AQ_t 0.73 / AQ_t-1 0.81) |
| SGI: 1.20 (Revenue 1.51b / 1.26b) |
| TATA: -0.00 (NI 266.6m - CFO 409.8m) / TA 31.7b) |
| Beneish M = -3.04 (Cap -4..+1) = AA |
As of July 08, 2026, the stock is trading at USD 51.97 with a total of 954,132 shares traded. Over the past week, the price has changed by +0.73%, over one month by +10.99%, over three months by +13.35% and over the past year by +17.75%.
Current recommended Stop Loss: 50.40 (which is 3% or 1.3 ATR below the current price).
Glacier Bancorp has received a consensus analysts rating of 3.83. Therefore, it is recommended to buy GBCI.
- StrongBuy: 2
- Buy: 1
- Hold: 3
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 56.6 | 8.9% |
P/E Trailing = 24.1963
P/E Forward = 18.1159
P/S = 6.497
P/B = 1.5862
P/EG = 1.7491
Revenue TTM = 1.51b USD
EBIT TTM = 362.6m USD
EBITDA TTM = 404.8m USD
Long Term Debt = 239.6m USD (from longTermDebt, last quarter)
Short Term Debt = 2.14b USD (from shortTermDebt, last quarter)
Debt = 2.49b USD (from shortLongTermDebtTotal, last quarter) + Leases 82.7m
Net Debt = -5.54b USD (calculated: Debt 2.49b - CCE 8.03b)
Enterprise Value = 1.20b USD (6.74b + Debt 2.49b - CCE 8.03b)
Interest Coverage Ratio = 0.91 (Ebit TTM 362.6m / Interest Expense TTM 400.5m)
EV/FCF = 3.29x (Enterprise Value 1.20b / FCF TTM 364.3m)
FCF Yield = 30.36% (FCF TTM 364.3m / Enterprise Value 1.20b)
FCF Margin = 24.14% (FCF TTM 364.3m / Revenue TTM 1.51b)
Net Margin = 17.67% (Net Income TTM 266.6m / Revenue TTM 1.51b)
Gross Margin = 71.21% ((Revenue TTM 1.51b - Cost of Revenue TTM 434.5m) / Revenue TTM)
Gross Margin QoQ = 75.08% (prev 74.18%)
Tobins Q-Ratio = 0.04 (Enterprise Value 1.20b / Total Assets 31.7b)
Interest Expense / Debt = 16.08% (Interest Expense 400.5m / Debt 2.49b)
Taxrate = 18.45% (60.3m / 326.9m)
NOPAT = 295.7m (EBIT 362.6m * (1 - 18.45%))
Current Ratio = 0.30 (Total Current Assets 8.19b / Total Current Liabilities 26.9b)
Debt / Equity = 0.59 (Debt 2.49b / totalStockholderEquity, last quarter 4.25b)
Debt / EBITDA = -13.68 (Net Debt -5.54b / EBITDA 404.8m)
Debt / FCF = -15.20 (Net Debt -5.54b / FCF TTM 364.3m)
Total Stockholder Equity = 3.90b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.89% (Net Income 266.6m / Total Assets 31.7b)
RoE = 6.83% (Net Income TTM 266.6m / Total Stockholder Equity 3.90b)
RoCE = 8.75% (EBIT 362.6m / Capital Employed (Equity 3.90b + L.T.Debt 239.6m))
RoIC = 4.29% (NOPAT 295.7m / Invested Capital 6.89b)
WACC = 10.38% (E(6.74b)/V(9.23b) * Re(9.37%) + D(2.49b)/V(9.23b) * Rd(16.08%) * (1-Tc(0.18)))
Discount Rate = 9.37% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 95.45 | Cagr: 7.40%
[DCF] Terminal Value 71.48% ; FCFF base≈346.6m ; Y1≈393.4m ; Y5≈564.7m
[DCF] Fair Price = 90.76 (EV 6.27b - Net Debt -5.54b = Equity 11.8b / Shares 130.1m; r=10.38% [WACC]; 5y FCF grow 13.86% → 2.50% )
EPS Correlation: 11.67 | EPS CAGR: 1.75% | SUE: 0.63 | # QB: 0
Revenue Correlation: 98.38 | Revenue CAGR: 13.29% | SUE: 0.69 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.76 | Chg30d=+0.22% | Revisions=+0% | Analysts=6
EPS next Quarter (2026-09-30): EPS=0.83 | Chg30d=+0.20% | Revisions=-29% | Analysts=6
EPS current Year (2026-12-31): EPS=3.17 | Chg30d=+0.05% | Revisions=-25% | GrowthEPS=+41.3% | GrowthRev=+25.6%
EPS next Year (2027-12-31): EPS=3.65 | Chg30d=+0.09% | Revisions=+0% | GrowthEPS=+15.3% | GrowthRev=+8.5%
[Analyst] Revisions Ratio: -19% (up=5, down=8)